Find the errors in your medical bill. Or you don't pay.
A medical coder checks every line of your itemized bill and insurance statement, and compares this with the medical care you received. You get a clear written report of the errors we find. If we don’t find anything, there’s no charge.
If our review doesn’t save you money, your deposit is refunded in full. And you’ll never pay us more than you save.
Medical bills are often wrong.
Hospital and provider bills are built from thousands of billing codes, and mistakes happen. Most people never see an itemized bill, so they never get the chance to catch them. Here’s what we check for:
- Duplicate charges: the same test, supply or service billed twice
- Upcoding: a more expensive code billed than the care you actually received
- Unbundling: one procedure split into separate charges
- Care you never got: medications, tests or supplies that never reached you
- Insurance not applied: claims that were denied, mis-filed or never sent to your insurer
- Surprise out-of-network bills: charges that Georgia and federal surprise-billing laws may limit
Simple steps. You stay in control.
Get your itemized bill
If you don’t have one, we’ll tell you exactly what to ask your hospital or provider for.
Send it to us
Share your itemized bill and your insurance Explanation of Benefits (EOB).
We review it
Our trained coder checks every line against your insurance statement and the care you received.
You get your report
A clear written report of every error we find, ready to take back to the billing office.
You only pay when we save you money.
A small deposit starts your review. It counts toward your fee, and it’s refunded in full if we don’t find savings. Your fee is a share of the savings we find, and it is never more than you save.
of the savings we find
$249 deposit
Applied to your fee, or refunded in full if we don’t lower your bill.
Minimum fee
If savings are under $4,000, the fee is $1,000 or half of your savings, whichever is less.
of the savings we find
$499 deposit
Applied to your fee, or refunded in full if we don’t lower your bill.
Minimum fee
If savings are under $25,000, the fee is $2,500 or half of your savings, whichever is less.
If we don’t find anything, your deposit comes back to you in full.
Your fee can never be larger than the amount we save you.
[PRICING FOR BILLS UNDER $5,000]
Any bill that doesn't look right.
- ER visits and urgent care
- Surgery and hospital stays
- Uninsured or high-deductible plans
- Ambulance and air transport
- Out-of-network and surprise bills
- Large bills you're not sure you owe
Gather these before you start.
- Your itemized bill (not just the summary)
- Your insurance Explanation of Benefits (EOB)
- A photo of your insurance card
- Any letters you've received about the bill
Coder-level detail. Investigator-level documentation.
Most people can’t read a medical bill. Your review is done by a trained medical coder who knows the codes, backed by an investigator’s habit of documenting everything. You get a clear written record you can use, and you’ll work with real people not a call center.
Frequently asked
A deposit starts your review: $249 for bills from $5,000 to $15,000, or $499 for bills over $15,000. It’s applied to your fee, or refunded in full if we don’t find savings.
Then you don’t pay anything, and your deposit is refunded in full.
Your fee is a percentage of the savings we find: 25% for bills from $5,000 to $15,000, and 10% for bills over $15,000. A minimum fee applies when savings are small, and your fee is never more than you save.
Yes, we can assist you with this.
No. Our service is a review of your bill for errors and discrepancies. You can ask your hospital’s billing office directly about any financial assistance it offers.
We can review the original charges for errors so you know what you actually owe.
We can review your Explanation of Benefits, explain why a claim may have been denied and point out errors you can raise with your insurer. You or your provider file the appeal.
We don’t handle or hold your money, offer credit repair, adjust insurance claims, or give legal advice.
Start your bill review.
Takes about two minutes. Tell us a little about the bill, and we’ll follow up with next steps. Please don’t send medical records through this form; we’ll send you a secure way to share them.
Southern Charm Investigations reviews medical bills for errors and discrepancies and provides written documentation of its findings. We do not collect, hold or pay funds on your behalf; do not offer debt relief, debt management or credit repair services; do not adjust insurance claims; and do not provide legal advice. Fees, deposits and minimums are disclosed in writing before work begins. Savings are not guaranteed and depend on how your provider and insurer respond.